Nouhad K.

Early-stage startup building payment and credit products for e-merchants. Squad: 1 Product Manager (me), 3 full stack engineers, 1 mobile engineer Owned products: Accelerated Payout (Credit product): finance marketplaces turnover at D+1 instead of D+20 Business Account: first French account that generates money for its users Billing: integration of a third-party service to simplify billing User insights & discovery

- Developping a BtoB SaaS platform from scratch aiming to ease communication between internal and external users

- Orchestrating designer, developers

- UX research and discovery

- Preparing sprints

- Managing backlog

Ran targeted user interviews based on cohort behavior (retention improvement axis) Set up regular "popcorn sessions" to observe real usage patterns and identify UX friction points Continuous feedback loop with Sales & Support to capture merchant pain points Used RICE scoring to prioritize smaller features Hired 1st Product Designer at Hero (defined scorecard, led hiring process and set up design integration within product team) Case focus – Business Account (MVP ownership & product vision) Wrote and aligned the product vision and MVP scope, challenged and validated by the CEO Translated complex business and regulatory needs into product requirements Aligned multiple teams: Core Banking, Compliance, Design, CEO Office Facilitated workshops and documentation to align stakeholders Focused MVP on critical flows: account creation, wire transfers, transaction details, document exports Case focus – Yield (automated interest feature) Defined and aligned the product vision for Hero Business Account — now the company's strategic foundation to diversify revenue beyond credit. Introduced "Yield" as a differentiating lever ahead of feature parity. Co-designed with engineers and designer via event storming Fully integrated with in-house core banking system Goal: unlock new activation/acquisition lever Impact ⬆️ +220% average deposits ⬆️ +110% new client acquisition +75% activated accounts Leading European consumer credit scale-up. Squad: 1 Product Manager (me), 1 Product Owner, 4 dev, 1 QA Key initiatives Scaled a standalone budget coaching product for financially vulnerable users (+33% users - 60K users) Rebuilt the web customer portal (aligned with mobile experience) Redesigned late payment workflow with Younited Pay, Finance, Compliance and Design: Defined decision flows and fallback scenarios Wrote UX copy and wireframes, coordinated with tech, support, and data Impact –25% support contact rate +40% payment regularization rate